Best for limited credit history.

The Capital One Platinum Secured Credit Card is a secured card with minimal features and perks but can be a great option for those looking to rebuild or improve their credit history.

At a glance

no offer
no offer
29.99% (Variable)
None
29.99% (Variable)
29.99% (Variable)
N/A
N/A
$0
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help

At a glance

no offer
no offer
29.99% (Variable)
None
29.99% (Variable)
29.99% (Variable)
N/A
N/A
$0
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

Our Take

TPG Editor's Rating

tooltip icon
2/5

Overview

The Capital One Platinum Secured Card is a great option for people with limited or poor credit history. It features a fairly high approval rate and features a refundable deposit that is as low as $49. The card does not offer reward earnings or a sign-up offer. The Platinum Secured does offer no annual fee or foreign transaction fee, making it a great option for those looking to repair their credit history. For new cardholders, it can also be a great tool to build their credit history.

Pros

  • This card offers no annual fee and no foreign transaction fee. Automatically considered for the unsecured version after demonstrating responsible credit usage.

Cons

  • The card offers no reward earning or sign-up offer. It features a high APR on purchases.

Who is this card good for?

This card is a good option for people with limited or poor credit history.

Earning Rewards

This card offers no rewards earning.